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REAL ESTATE INVESTMENT LOANS

Fast, flexible financing for investors.

Programs that qualify on rental income — not your W-2. SFR, multi-family, mixed-use.

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​No W-2 required on DSCR programs · ​Close in as few as 5 business days

What do you need to qualify?

Three things. No tax returns. No pay stubs.

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620+ Credit Score

Minimum 620 FICO. Higher scores unlock better pricing and lower down-payment bands.

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Income-Producing Property

The property must generate rental income — long-term or short-term (Airbnb/VRBO) both qualify.

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Entity or Individual

Close in your own name or via LLC / partnership / trust. Portfolio-friendly for serious investors.

Who we serve

Eight investor profiles. One team.

​Fix & Flip

Bridge capital fast, then a DSCR refinance once stabilized.

​BRRRR Strategists

DSCR is the refinance engine. Pull equity without 12-month seasoning.

​Portfolio Builders

Each property qualifies on its own DSCR — no DTI stacking.

​Short-Term Rental

Airbnb / VRBO income counted via 12-month average or market rent.

​Self-Employed

No tax returns required. Property income qualifies you.

​Multi-Family

More units, more income streams — typically stronger DSCR ratios.

​First-Time Investors

One specialist guides you from pre-qual to close. No guesswork.

​Out-of-State

Remote closings. Property-based qualification means location doesn't block the deal.

Why traditional financing fails investors

Conventional underwriting was built for W-2 homeowners — it systematically excludes the people who build wealth through real estate.

​Income that doesn't count

Rental income, Airbnb revenue, LLC distributions — conventional lenders discount or ignore all of it.

​Tax returns that hurt you

Smart investors minimize taxes through depreciation — but conventional lenders treat low taxable income as low "earning."

​DTI that punishes growth

Each property adds to your debt-to-income ratio. 10 cash-flowing properties become a reason for denial, not approval.

​Seasoning that stalls BRRRR

Conventional refinance wants 6-12 months ownership before equity pulls. DSCR lets you refi immediately after stabilization.

Investment loan programs

DSCR Blueprint — our flagship program for income-producing real estate.

​DSCR Blueprint

The flagship program for serious investors. Qualify on property income, not personal income.

  • Investment properties only — not for owner-occupied
  • DSCR-based qualification (rental income covers the loan)
  • 620+ FICO minimum
  • SFR, 2-4 unit, 5+ unit, mixed-use eligible
  • Entity or individual ownership
  • Long-term and short-term rental income both accepted
See DSCR details

Frequently asked questions

Real estate investment loans are financing products designed for purchasing, refinancing, or renovating income-producing properties. Unlike conventional mortgages, these loans are underwritten based on the property's income potential rather than your personal employment income.

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income a property generates relative to the mortgage payment. If the property's income covers the debt, you can qualify without W-2 or tax return verification.

Individual investors, investor groups (LLCs, partnerships, trusts), and property managers who own or are acquiring income-producing properties. Programs start at 620 FICO (HCP verified minimum).

Streamlined underwriting — focused on property performance rather than personal financials — allows significantly faster closings than conventional. Many DSCR loans close in as few as 5-10 business days.

Single-family residences, 2-4 unit multifamily, 5+ unit apartment buildings, mixed-use properties, and short-term rentals. Properties can be entity-owned or individually held.

Ready to fund your next investment?

Tell us about the property. We'll send back a DSCR analysis, rate scenarios, and a same-day pre-qual estimate.

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Homestead Capital Partners · NMLS #2587985 · Licensed in 48 states (excluding New York and Massachusetts) · NEXA Mortgage, LLC (DBA NEXA Lending) · NMLS #1660690 · 5559 S Sossaman Rd, Bldg 1, Ste 101, Mesa, AZ 85212 · Equal Housing Lender

Equal Credit Opportunity Act Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age; because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Homestead Capital Partners is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.